Potomac Bank is a bank based in Charles Town, West Virginia, established in 1870, with $975 million in total assets across 9 branches. By Trust Grade it ranks 19th of 41 banks we track in West Virginia. Its capital ratio of 9.5% trails most similarly sized banks (39th percentile), versus a West Virginia median of 10.1%. It was profitable over the most recent period, with a 1.35% return on assets. No consumer complaints against Potomac Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Potomac Bank compares to West Virginia peers
How we graded Potomac Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.35%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Potomac Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1366 Washington St, Harpers Ferry, WV 25425
- 5480 Charles Town Road, Kearneysville, WV 25430
- 9738 Tuscarora Pike, Martinsburg, WV 25403
- 119 Cowardly Lion Dr, Hedgesville, WV 25427
- 1101 Frederick St, Hagerstown, MD 21740
- 115 The Plains Rd, Middleburg, VA 20117
- 111 E Washington St, Charles Town, WV 25414
- 1201 Wolf Rock Dr, Purcellville, VA 20132
- 446 Madison Trade Plz Se, Leesburg, VA 20175
Are deposits at Potomac Bank insured?
Yes. Potomac Bank is an FDIC-insured bank (FDIC certificate #9023). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Potomac Bank: frequently asked questions
Is Potomac Bank a good bank?
Potomac Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Strongly profitable (ROA 1.35%).
Is Potomac Bank FDIC-insured?
Yes. Potomac Bank is a FDIC-insured bank (FDIC certificate #9023). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Potomac Bank?
Potomac Bank holds $975 million in total assets, ranking 19th of 41 banks we track in West Virginia. It operates 9 branches.
Does Potomac Bank have CFPB complaints?
No CFPB complaints against Potomac Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
